/* Prevent flash of unstyled content */
html {
    visibility: hidden;
}

html[data-theme] {
    visibility: visible;
}

/* Comprehensive Dark Mode Text Fixes */
[data-theme="dark"] {
    color: var(--text-primary);
}

[data-theme="dark"] h1,
[data-theme="dark"] h2,
[data-theme="dark"] h3,
[data-theme="dark"] h4,
[data-theme="dark"] h5,
[data-theme="dark"] h6 {
    color: var(--text-heading);
}

[data-theme="dark"] p {
    color: var(--text-primary);
}

[data-theme="dark"] .section-title {
    color: var(--text-heading);
}

[data-theme="dark"] .section-subtitle {
    color: var(--text-secondary);
}

[data-theme="dark"] .hero-title {
    color: var(--text-heading);
}

[data-theme="dark"] .hero-subtitle {
    color: var(--text-secondary);
}

[data-theme="dark"] .why-card h3 {
    color: var(--text-heading);
}

[data-theme="dark"] .why-card p {
    color: var(--text-primary);
}

[data-theme="dark"] .glossary-header h3 {
    color: var(--text-heading);
}

[data-theme="dark"] .glossary-content p {
    color: var(--text-primary);
}

[data-theme="dark"] .step-item h3 {
    color: var(--text-heading);
}

[data-theme="dark"] .step-item p {
    color: var(--text-primary);
}

[data-theme="dark"] .step-item li {
    color: var(--text-primary);
}

[data-theme="dark"] .comparison-card h3 {
    color: var(--text-heading);
}

[data-theme="dark"] .comparison-card p {
    color: var(--text-primary);
}

[data-theme="dark"] .provider-card h4 {
    color: var(--text-heading);
}

[data-theme="dark"] .provider-card p {
    color: var(--text-primary);
}

[data-theme="dark"] .faq-question h3 {
    color: var(--text-heading);
}

[data-theme="dark"] .faq-answer p {
    color: var(--text-primary);
}

[data-theme="dark"] .emergency-tip h3 {
    color: var(--text-heading);
}

[data-theme="dark"] .emergency-tip p {
    color: var(--text-primary);
}

[data-theme="dark"] .cta-content h2 {
    color: var(--text-heading);
}

[data-theme="dark"] .cta-content p {
    color: var(--text-secondary);
}

[data-theme="dark"] .footer p {
    color: rgba(255,255,255,0.8);
}

[data-theme="dark"] .footer-links a {
    color: rgba(255,255,255,0.7);
}

[data-theme="dark"] .footer-bottom {
    color: rgba(255,255,255,0.6);
}

/* Google AdSense Placeholders removed */

/* Page-specific styles for Terms, Privacy, and Disclaimer pages */
.page-title {
    font-size: 3rem;
    font-weight: 800;
    color: var(--text-heading);
    text-align: center;
    margin-bottom: 16px;
    line-height: 1.2;
    letter-spacing: -0.02em;
}

.page-subtitle {
    text-align: center;
    margin-bottom: 60px;
    font-size: 1.1rem;
    line-height: 1.6;
    color: var(--text-secondary);
    max-width: 600px;
    margin-left: auto;
    margin-right: auto;
}

.terms-section,
.privacy-section,
.disclaimer-section {
    padding: 120px 0 100px;
    background: var(--bg-primary);
    min-height: 100vh;
}

.terms-content,
.privacy-content,
.disclaimer-content {
    max-width: 900px;
    margin: 0 auto;
    display: grid;
    gap: 30px;
}

.terms-card,
.privacy-card,
.disclaimer-card {
    background: var(--card-bg);
    border-radius: 20px;
    padding: 40px;
    box-shadow: 0 8px 25px rgba(0,0,0,0.08);
    border: 2px solid #3b82f6;
    transition: all 0.3s ease;
    position: relative;
    overflow: hidden;
}

.terms-card::before,
.privacy-card::before,
.disclaimer-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(90deg, var(--accent-primary), var(--accent-green));
    transform: scaleX(0);
    transition: transform 0.3s ease;
}

.terms-card:hover::before,
.privacy-card:hover::before,
.disclaimer-card:hover::before {
    transform: scaleX(1);
}

.terms-card:hover,
.privacy-card:hover,
.disclaimer-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 12px 35px rgba(0,0,0,0.15);
}

.terms-card h2,
.privacy-card h2,
.disclaimer-card h2 {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--text-heading);
    margin-bottom: 20px;
    display: flex;
    align-items: center;
    gap: 12px;
}

.terms-card h2 i,
.privacy-card h2 i,
.disclaimer-card h2 i {
    color: var(--accent-primary);
    font-size: 1.3rem;
}

.terms-card p,
.privacy-card p,
.disclaimer-card p {
    color: var(--text-primary);
    font-size: 1rem;
    line-height: 1.6;
    margin-bottom: 16px;
}

.terms-card ul,
.privacy-card ul,
.disclaimer-card ul {
    margin: 16px 0;
    padding-left: 20px;
}

.terms-card li,
.privacy-card li,
.disclaimer-card li {
    color: var(--text-primary);
    font-size: 1rem;
    line-height: 1.6;
    margin-bottom: 8px;
}

.terms-card strong,
.privacy-card strong,
.disclaimer-card strong {
    color: var(--text-heading);
    font-weight: 600;
}

.contact-info {
    background: var(--card-bg);
    border-radius: 20px;
    padding: 40px;
    box-shadow: 0 8px 25px rgba(0,0,0,0.08);
    border: 2px solid #3b82f6;
    text-align: center;
    margin-top: 40px;
}

.contact-info h3 {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--text-heading);
    margin-bottom: 16px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 12px;
}

.contact-info h3 i {
    color: var(--accent-primary);
    font-size: 1.3rem;
}

.contact-info p {
    color: var(--text-primary);
    font-size: 1rem;
    line-height: 1.6;
}

/* Mobile responsive for legal pages */
@media (max-width: 768px) {
    .page-title {
        font-size: 2.5rem;
    }
    
    .terms-section,
    .privacy-section,
    .disclaimer-section {
        padding: 100px 0 80px;
    }
    
    .terms-card,
    .privacy-card,
    .disclaimer-card {
        padding: 30px 25px;
    }
    
    .terms-card h2,
    .privacy-card h2,
    .disclaimer-card h2 {
        font-size: 1.3rem;
    }
}

@media (max-width: 480px) {
    .page-title {
        font-size: 2rem;
    }
    
    .terms-section,
    .privacy-section,
    .disclaimer-section {
        padding: 80px 0 60px;
    }
    
    .terms-card,
    .privacy-card,
    .disclaimer-card {
        padding: 25px 20px;
    }
    
    .terms-card h2,
    .privacy-card h2,
    .disclaimer-card h2 {
        font-size: 1.2rem;
    }
}

/* CSS Variables for Theme Colors */
:root {
    --bg-primary: #ffffff;
    --bg-secondary: #f8fafc;
    --bg-tertiary: #e0f2fe;
    --text-primary: #374151;
    --text-secondary: #64748b;
    --text-heading: #1e293b;
    --accent-primary: #1e40af;
    --accent-secondary: #1d4ed8;
    --accent-green: #10b981;
    --accent-green-dark: #059669;
    --border-color: #e2e8f0;
    --border-light: #e5e7eb;
    --card-bg: #ffffff;
    --navbar-bg: #ffffff;
    --hero-gradient-start: #f0f9ff;
    --hero-gradient-end: #e0f2fe;
    --footer-bg: #1e293b;
    --footer-border: #374151;
    /* Semantic colors */
    --primary-color: #1e40af;
    --primary-dark: #1d4ed8;
    --success-color: #10b981;
}

[data-theme="dark"] {
    --bg-primary: #0f172a;
    --bg-secondary: #1e293b;
    --bg-tertiary: #334155;
    --text-primary: #e2e8f0;
    --text-secondary: #94a3b8;
    --text-heading: #f1f5f9;
    --accent-primary: #3b82f6;
    --accent-secondary: #2563eb;
    --accent-green: #22c55e;
    --accent-green-dark: #16a34a;
    --border-color: #334155;
    --border-light: #475569;
    --card-bg: #1e293b;
    --navbar-bg: #0f172a;
    --hero-gradient-start: #0f172a;
    --hero-gradient-end: #1e293b;
    --footer-bg: #020617;
    --footer-border: #1e293b;
    --primary-color: #3b82f6;
    --primary-dark: #2563eb;
    --success-color: #22c55e;
}

body {
    font-family: 'Inter', sans-serif;
    line-height: 1.6;
    color: var(--text-primary);
    background-color: var(--bg-primary);
    transition: background-color 0.3s ease, color 0.3s ease;
}

/* Section Spacing Optimization */
.hero {
    padding: 68px 0 51px;
}

.why-matters {
    padding: 20px 0 30px 0;
}

.glossary {
    padding: 30px 0 40px;
}

.how-to-choose {
    padding: 20px 0 30px 0;
}

.comparison {
    padding: 20px 0 30px 0;
}

.claims-simulator {
    padding: 20px 0 30px 0;
}

.faq {
    padding: 10px 0 30px 0;
}

.emergency-preparedness {
    padding: 8px 0 30px 0;
}

.cta {
    padding: 10px 0 20px 0;
}

.footer {
    padding: 60px 0 40px;
}

/* Container */
.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
}

/* Navigation */
.navbar {
    backdrop-filter: saturate(180%) blur(20px);
    background: rgba(255,255,255,0.95);
    position: fixed;
    top: 0;
    width: 100%;
    z-index: 1000;
    border-bottom: 1px solid rgba(255,255,255,0.2);
    box-shadow: 0 4px 20px rgba(0,0,0,0.1);
    transition: all 0.3s ease;
    min-height: 80px;
}

[data-theme="dark"] .navbar {
    background: rgba(15,23,42,0.98) !important;
    border-bottom: 1px solid rgba(51,65,85,0.5) !important;
    box-shadow: 0 4px 20px rgba(0,0,0,0.4) !important;
    backdrop-filter: saturate(180%) blur(20px);
}

[data-theme="dark"] .nav-container {
    background: transparent;
}

[data-theme="dark"] .nav-menu {
    display: flex;
    gap: 20px;
    align-items: center;
}

[data-theme="dark"] .nav-logo {
    color: var(--accent-primary) !important;
}

[data-theme="dark"] .nav-logo i {
    color: #22c55e !important;
    opacity: 1 !important;
    visibility: visible !important;
    filter: drop-shadow(0 3px 6px rgba(34,197,94,0.5));
}

[data-theme="dark"] .nav-link {
    color: rgba(255,255,255,0.9) !important;
}

[data-theme="dark"] .nav-link:hover {
    color: var(--accent-primary) !important;
    background: rgba(30,64,175,0.2);
}

[data-theme="dark"] .nav-dropdown-toggle {
    color: rgba(255,255,255,0.9) !important;
}

[data-theme="dark"] .nav-dropdown-toggle:hover {
    color: var(--accent-primary) !important;
    background: rgba(30,64,175,0.2);
}

[data-theme="dark"] .nav-dropdown-menu {
    background: rgba(15,23,42,0.98) !important;
    border: 1px solid rgba(51,65,85,0.5) !important;
    box-shadow: 0 8px 25px rgba(0,0,0,0.3);
}

[data-theme="dark"] .nav-dropdown-item {
    color: rgba(255,255,255,0.9) !important;
}

[data-theme="dark"] .nav-dropdown-item:hover {
    background: rgba(30,64,175,0.2);
    color: var(--accent-primary) !important;
}

.nav-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    height: 80px;
}

.nav-logo {
    display: flex;
    align-items: center;
    gap: 12px;
    font-weight: 700;
    font-size: 1.3rem;
    color: var(--accent-primary);
    text-decoration: none;
    transition: all 0.3s ease;
}

.nav-logo:hover {
    transform: scale(1.05);
}

.nav-logo i { 
    color: #10b981 !important; 
    font-size: 2.2rem;
    filter: drop-shadow(0 3px 6px rgba(16,185,129,0.4));
    opacity: 1;
    visibility: visible;
}

.nav-menu { 
    display: flex; 
    gap: 20px; 
    align-items: center; 
}

.nav-link {
    text-decoration: none;
    color: var(--text-heading);
    font-weight: 600;
    font-size: 0.95rem;
    transition: all 0.3s ease;
    position: relative;
    padding: 6px 12px;
    border-radius: 8px;
    white-space: nowrap;
}

.nav-link:hover { 
    color: var(--accent-primary);
    background: rgba(30,64,175,0.1);
    transform: translateY(-2px);
}

.nav-link::after {
    content: "";
    position: absolute;
    left: 50%; 
    bottom: -4px;
    width: 0; 
    height: 3px;
    background: linear-gradient(90deg, var(--accent-primary), var(--accent-green));
    transition: all 0.3s ease;
    transform: translateX(-50%);
    border-radius: 2px;
}

.nav-link:hover::after { 
    width: 80%; 
}

/* Dropdown Menu */
.nav-dropdown {
    position: relative;
    display: inline-block;
}

.nav-dropdown-toggle {
    text-decoration: none;
    color: var(--text-heading);
    font-weight: 600;
    font-size: 0.95rem;
    transition: all 0.3s ease;
    position: relative;
    padding: 6px 12px;
    border-radius: 8px;
    display: flex;
    align-items: center;
    gap: 4px;
    white-space: nowrap;
}

.nav-dropdown-toggle:hover { 
    color: var(--accent-primary);
    background: rgba(30,64,175,0.1);
    transform: translateY(-2px);
}

.nav-dropdown-toggle::after {
    content: "";
    position: absolute;
    left: 50%; 
    bottom: -4px;
    width: 0; 
    height: 3px;
    background: linear-gradient(90deg, var(--accent-primary), var(--accent-green));
    transition: all 0.3s ease;
    transform: translateX(-50%);
    border-radius: 2px;
}

.nav-dropdown-toggle:hover::after { 
    width: 80%; 
}

.nav-dropdown-menu {
    position: absolute;
    top: 100%;
    left: 0;
    background: var(--card-bg);
    border: 2px solid #3b82f6;
    border-radius: 12px;
    box-shadow: 0 8px 25px rgba(0,0,0,0.15);
    backdrop-filter: blur(20px);
    padding: 8px 0;
    min-width: 180px;
    display: flex;
    flex-direction: row;
    gap: 0;
    opacity: 0;
    visibility: hidden;
    transform: translateY(-10px);
    transition: all 0.3s ease;
    z-index: 1000;
}

.nav-dropdown:hover .nav-dropdown-menu {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.nav-dropdown-item {
    display: flex;
    align-items: center;
    padding: 10px 16px;
    color: var(--text-heading);
    text-decoration: none;
    font-weight: 500;
    transition: all 0.3s ease;
    border-right: 1px solid rgba(59, 130, 246, 0.2);
    font-size: 0.9rem;
    white-space: nowrap;
}

.nav-dropdown-item:hover {
    background: rgba(30,64,175,0.1);
    color: var(--accent-primary);
    border-right-color: var(--accent-primary);
    transform: translateY(-2px);
}

.nav-dropdown-item:last-child {
    border-right: none;
}

.nav-dropdown-item i {
    margin-right: 8px;
    width: 14px;
    text-align: center;
    font-size: 0.85rem;
}

/* Mobile Menu Toggle */
.mobile-menu-toggle {
    display: none;
    background: none;
    border: none;
    font-size: 1.5rem;
    color: var(--text-heading);
    cursor: pointer;
    padding: 8px;
    border-radius: 8px;
    transition: all 0.3s ease;
}

.mobile-menu-toggle:hover {
    background: rgba(30,64,175,0.1);
    color: var(--accent-primary);
}

.mobile-menu-toggle.active {
    background: var(--accent-primary);
    color: white;
}

/* Mobile Menu */
.mobile-menu {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--card-bg);
    border-top: 2px solid #3b82f6;
    box-shadow: 0 8px 25px rgba(0,0,0,0.15);
    backdrop-filter: blur(20px);
    padding: 20px;
    transform: translateY(-20px);
    opacity: 0;
    transition: all 0.3s ease;
}

.mobile-menu.active {
    display: block;
    transform: translateY(0);
    opacity: 1;
}

.mobile-menu .nav-link {
    display: block;
    padding: 16px 0;
    border-bottom: 2px solid #3b82f6;
    margin-bottom: 8px;
    font-size: 1.1rem;
}

.mobile-menu .nav-link:last-child {
    border-bottom: none;
    margin-bottom: 0;
}

.mobile-menu .nav-link::after {
    display: none;
}

[data-theme="dark"] .mobile-menu {
    background: rgba(15,23,42,0.98);
    border-top: 1px solid rgba(51,65,85,0.5);
    box-shadow: 0 8px 25px rgba(0,0,0,0.4);
}

[data-theme="dark"] .mobile-menu .nav-link {
    color: rgba(255,255,255,0.9);
    border-bottom: 1px solid rgba(51,65,85,0.3);
}

[data-theme="dark"] .mobile-menu .nav-link:hover {
    color: var(--accent-primary);
    background: rgba(30,64,175,0.2);
}

[data-theme="dark"] .mobile-menu .nav-dropdown-item {
    color: rgba(255,255,255,0.9);
}

[data-theme="dark"] .mobile-menu .nav-dropdown-item:hover {
    background: rgba(30,64,175,0.2);
    color: var(--accent-primary);
}

[data-theme="dark"] .mobile-menu-toggle {
    color: rgba(255,255,255,0.9);
}

[data-theme="dark"] .mobile-menu-toggle:hover {
    background: rgba(30,64,175,0.2);
    color: var(--accent-primary);
}

/* Mobile Dropdown */
.mobile-dropdown {
    position: relative;
}

.mobile-dropdown-toggle {
    display: flex;
    justify-content: space-between;
    align-items: center;
    width: 100%;
}

.mobile-dropdown-menu {
    display: none;
    background: var(--bg-secondary);
    border-left: 3px solid var(--accent-primary);
    margin-left: 20px;
    padding-left: 20px;
}

.mobile-dropdown.active .mobile-dropdown-menu {
    display: block;
}

.mobile-dropdown.active .mobile-dropdown-toggle i {
    transform: rotate(180deg);
}

.mobile-dropdown-menu .nav-dropdown-item {
    padding: 12px 0;
    border-bottom: 2px solid #3b82f6;
    margin-bottom: 8px;
}

.mobile-dropdown-menu .nav-dropdown-item:last-child {
    border-bottom: none;
    margin-bottom: 0;
}

/* Theme Toggle */
.theme-toggle {
    background: none;
    border: 2px solid rgba(226,232,240,0.7);
    border-radius: 50%;
    width: 40px;
    height: 40px;
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    transition: all 0.3s ease;
    color: var(--text-secondary);
}

[data-theme="dark"] .theme-toggle {
    border-color: rgba(255,255,255,0.3);
    color: rgba(255,255,255,0.8);
}

.theme-toggle:hover {
    background: var(--accent-primary);
    color: white;
    border-color: var(--accent-primary);
    transform: scale(1.1);
    box-shadow: 0 6px 18px rgba(31,41,55,0.15);
}

[data-theme="dark"] .theme-toggle:hover {
    background: var(--accent-primary);
    color: white;
    border-color: var(--accent-primary);
}

/* Buttons */
.btn {
    padding: 16px 32px;
    border: none;
    border-radius: 12px;
    font-weight: 600;
    font-size: 1.1rem;
    cursor: pointer;
    transition: all 0.3s ease;
    text-decoration: none;
    display: inline-block;
    text-align: center;
}

.btn-primary {
    background: linear-gradient(135deg, #ffffff, #f3f4f6);
    color: #1e293b;
    box-shadow: 0 8px 25px rgba(0, 0, 0, 0.15);
    border: 1px solid rgba(255, 255, 255, 0.6);
}

.btn-primary:hover {
    transform: translateY(-3px);
    box-shadow: 0 12px 35px rgba(0, 0, 0, 0.2);
    background: linear-gradient(135deg, #f8fafc, #e2e8f0);
}

/* Hero */
.hero {
    padding: 68px 0 51px;
    background: linear-gradient(135deg, #667eea 0%, #764ba2 50%, #f093fb 100%);
    background-attachment: fixed;
    position: relative;
    overflow: hidden;
    min-height: 57.375vh;
    display: flex;
    align-items: center;
}

.hero::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1000 1000"><defs><radialGradient id="a" cx="50%" cy="50%"><stop offset="0%" stop-color="%23ffffff" stop-opacity="0.1"/><stop offset="100%" stop-color="%23ffffff" stop-opacity="0"/></radialGradient></defs><circle cx="200" cy="200" r="100" fill="url(%23a)"/><circle cx="800" cy="300" r="150" fill="url(%23a)"/><circle cx="400" cy="700" r="120" fill="url(%23a)"/></svg>');
    opacity: 0.3;
    animation: float 20s ease-in-out infinite;
}

@keyframes float {
    0%, 100% { transform: translateY(0px) rotate(0deg); }
    50% { transform: translateY(-20px) rotate(180deg); }
}

.hero-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center;
    position: relative;
    z-index: 2;
}

.hero-content {
    animation: slideInLeft 1s ease-out;
}

@keyframes slideInLeft {
    from {
        opacity: 0;
        transform: translateX(-50px);
    }
    to {
        opacity: 1;
        transform: translateX(0);
    }
}

.hero-title { 
    font-size: 4.2rem; 
    font-weight: 900; 
    color: #ffffff; 
    margin-bottom: 32px; 
    line-height: 1.1; 
    letter-spacing: -0.03em; 
    text-shadow: 0 8px 40px rgba(0,0,0,0.3);
    background: linear-gradient(135deg, #ffffff 0%, #f0f9ff 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.hero-subtitle { 
    font-size: 1.4rem; 
    color: rgba(255, 255, 255, 0.95); 
    margin-bottom: 48px; 
    opacity: 0.95;
    font-weight: 400;
    line-height: 1.6;
    max-width: 500px;
}

.hero-buttons { 
    display: flex; 
    gap: 24px; 
    flex-wrap: wrap; 
    margin-top: 16px; 
}

.hero-buttons .btn { 
    border-radius: 50px; 
    padding: 18px 36px; 
    font-size: 1.1rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    position: relative;
    overflow: hidden;
}

.hero-buttons .btn::before {
    content: '';
    position: absolute;
    top: 0;
    left: -100%;
    width: 100%;
    height: 100%;
    background: linear-gradient(90deg, transparent, rgba(255,255,255,0.2), transparent);
    transition: left 0.5s;
}

.hero-buttons .btn:hover::before {
    left: 100%;
}

.hero-illustration { 
    display: flex; 
    justify-content: center; 
    align-items: center;
    animation: slideInRight 1s ease-out;
}

@keyframes slideInRight {
    from {
        opacity: 0;
        transform: translateX(50px);
    }
    to {
        opacity: 1;
        transform: translateX(0);
    }
}

.hero-illustration svg { 
    width: 600px; 
    max-width: 100%; 
    height: auto;
    filter: drop-shadow(0 20px 40px rgba(0,0,0,0.2));
    animation: none;
}

/* Why It Matters Section */
.why-matters {
    padding: 40px 0 60px 0;
    background: linear-gradient(135deg, #f8fafc 0%, #e2e8f0 100%);
    position: relative;
}

[data-theme="dark"] .why-matters {
    background: linear-gradient(135deg, #1e293b 0%, #334155 100%);
}

.why-matters::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1000 1000"><defs><pattern id="grid" width="50" height="50" patternUnits="userSpaceOnUse"><path d="M 50 0 L 0 0 0 50" fill="none" stroke="%23e2e8f0" stroke-width="1" opacity="0.5"/></pattern></defs><rect width="100%" height="100%" fill="url(%23grid)"/></svg>');
    opacity: 0.3;
}

[data-theme="dark"] .why-matters::before {
    background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1000 1000"><defs><pattern id="grid" width="50" height="50" patternUnits="userSpaceOnUse"><path d="M 50 0 L 0 0 0 50" fill="none" stroke="%23475569" stroke-width="1" opacity="0.5"/></pattern></defs><rect width="100%" height="100%" fill="url(%23grid)"/></svg>');
}

.why-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 20px;
    margin-top: 8px;
    position: relative;
    z-index: 1;
}

.why-card {
    background: var(--card-bg);
    padding: 25px 20px;
    border-radius: 16px;
    text-align: center;
    box-shadow: 0 6px 20px rgba(0,0,0,0.08);
    border: 1px solid rgba(255,255,255,0.2);
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    position: relative;
    overflow: hidden;
}

.why-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(90deg, var(--accent-primary), var(--accent-green));
    transform: scaleX(0);
    transition: transform 0.3s ease;
}

.why-card:hover::before {
    transform: scaleX(1);
}

.why-card:hover {
    transform: translateY(-10px);
    box-shadow: 0 20px 50px rgba(0,0,0,0.15);
    border-color: rgba(30,64,175,0.2);
}

.why-icon {
    width: 60px;
    height: 60px;
    background: linear-gradient(135deg, var(--accent-primary), var(--accent-secondary));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 20px;
    font-size: 1.5rem;
    color: white;
    box-shadow: 0 6px 20px rgba(30,64,175,0.3);
    transition: all 0.3s ease;
}

.why-card:hover .why-icon {
    transform: scale(1.1) rotate(5deg);
    box-shadow: 0 12px 35px rgba(30,64,175,0.4);
}

.why-card h3 {
    font-size: 1.3rem;
    font-weight: 700;
    color: var(--text-heading);
    margin-bottom: 12px;
    line-height: 1.3;
}

.why-card p {
    color: var(--text-secondary);
    line-height: 1.5;
    font-size: 0.9rem;
    margin: 0;
}

/* Section Titles */
.section-title { 
    font-size: 2.5rem; 
    font-weight: 800; 
    color: var(--text-heading); 
    text-align: center; 
    margin-bottom: 16px; 
    line-height: 1.2;
    letter-spacing: -0.02em;
    position: relative;
}

.section-title::after {
    content: '';
    position: absolute;
    bottom: -8px;
    left: 50%;
    transform: translateX(-50%);
    width: 60px;
    height: 4px;
    background: linear-gradient(90deg, var(--accent-primary), var(--accent-green));
    border-radius: 2px;
}

.section-subtitle { 
    text-align: center; 
    color: var(--text-secondary); 
    margin-bottom: 4px; 
    font-size: 1.1rem;
    line-height: 1.6;
    max-width: 600px;
    margin-left: auto;
    margin-right: auto;
}

/* Glossary Section */
.glossary {
    padding: 30px 0 40px;
    background: var(--bg-primary);
}

.glossary-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(400px, 1fr));
    gap: 20px;
    margin-top: 10px;
    align-items: start;
}

.glossary-item {
    background: var(--card-bg);
    border: 2px solid #3b82f6;
    border-radius: 16px;
    overflow: hidden;
    box-shadow: 0 4px 20px rgba(0,0,0,0.08);
    transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    cursor: pointer;
    position: relative;
    align-self: start;
    min-height: fit-content;
}

.glossary-item:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 30px rgba(0,0,0,0.12);
    border-color: rgba(30,64,175,0.2);
}

.glossary-item.active {
    border-color: var(--accent-primary);
    box-shadow: 0 8px 30px rgba(30,64,175,0.15);
}

.glossary-header {
    padding: 24px 28px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    background: var(--card-bg);
    transition: all 0.3s ease;
}

.glossary-item.active .glossary-header {
    background: linear-gradient(135deg, rgba(30,64,175,0.05), rgba(16,185,129,0.05));
}

.glossary-header h3 {
    font-size: 1.3rem;
    font-weight: 700;
    color: var(--text-heading);
    margin: 0;
    line-height: 1.3;
}

.glossary-header i {
    color: var(--accent-primary);
    font-size: 1.2rem;
    transition: all 0.3s ease;
    background: rgba(30,64,175,0.1);
    width: 32px;
    height: 32px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
}

.glossary-item.active .glossary-header i {
    transform: rotate(180deg);
    background: var(--accent-primary);
    color: white;
}

.glossary-content {
    padding: 0 28px;
    max-height: 0;
    overflow: hidden;
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    background: var(--bg-secondary);
}

.glossary-content.active {
    padding: 20px 28px 28px;
    max-height: 200px;
}

.glossary-content p {
    color: var(--text-secondary);
    line-height: 1.6;
    margin: 0;
    font-size: 1rem;
}

/* How to Choose Section */
.how-to-choose {
    padding: 60px 0 100px 0;
    background: linear-gradient(135deg, #f0f9ff 0%, #e0f2fe 100%);
    position: relative;
}

[data-theme="dark"] .how-to-choose {
    background: linear-gradient(135deg, #0f172a 0%, #1e293b 100%);
}

.how-to-choose::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1000 1000"><defs><pattern id="dots" width="40" height="40" patternUnits="userSpaceOnUse"><circle cx="20" cy="20" r="2" fill="%230ea5e9" opacity="0.1"/></pattern></defs><rect width="100%" height="100%" fill="url(%23dots)"/></svg>');
    opacity: 0.4;
}

[data-theme="dark"] .how-to-choose::before {
    background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1000 1000"><defs><pattern id="dots" width="40" height="40" patternUnits="userSpaceOnUse"><circle cx="20" cy="20" r="2" fill="%23475569" opacity="0.1"/></pattern></defs><rect width="100%" height="100%" fill="url(%23dots)"/></svg>');
}

.simple-steps {
    display: grid;
    grid-template-columns: 1fr;
    gap: 32px;
    margin-top: 15px;
    position: relative;
    z-index: 1;
}

.step-item {
    background: var(--card-bg);
    border: 1px solid rgba(14,165,233,0.2);
    border-radius: 20px;
    padding: 40px 35px;
    box-shadow: 0 8px 30px rgba(14,165,233,0.1);
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    position: relative;
    overflow: hidden;
}

.step-item::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 6px;
    height: 100%;
    background: linear-gradient(180deg, var(--accent-primary), var(--accent-green));
    transform: scaleY(0);
    transition: transform 0.3s ease;
}

.step-item:hover::before {
    transform: scaleY(1);
}

.step-item:hover {
    transform: translateY(-8px);
    box-shadow: 0 16px 40px rgba(14,165,233,0.15);
    border-color: rgba(14,165,233,0.3);
}

.step-item h3 {
    font-size: 1.6rem;
    font-weight: 700;
    color: var(--text-heading);
    margin-bottom: 16px;
    line-height: 1.3;
    display: flex;
    align-items: center;
    gap: 12px;
}

.step-item h3::before {
    content: counter(step-counter);
    counter-increment: step-counter;
    background: linear-gradient(135deg, var(--accent-primary), var(--accent-green));
    color: white;
    width: 40px;
    height: 40px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.2rem;
    font-weight: 700;
    flex-shrink: 0;
}

.simple-steps {
    counter-reset: step-counter;
}

.step-item p {
    color: var(--text-secondary);
    line-height: 1.6;
    margin-bottom: 20px;
    font-size: 1.05rem;
}

.step-item ul {
    list-style: none;
    padding: 0;
    margin: 0;
}

.step-item li {
    color: var(--text-secondary);
    line-height: 1.6;
    margin-bottom: 8px;
    padding-left: 24px;
    position: relative;
    font-size: 1rem;
}

.step-item li::before {
    content: '✓';
    position: absolute;
    left: 0;
    color: var(--accent-green);
    font-weight: bold;
    font-size: 1.1rem;
}

.simple-cta {
    margin-top: 60px;
    background: linear-gradient(135deg, rgba(14,165,233,0.1), rgba(99,102,241,0.1));
    border: 2px solid rgba(14,165,233,0.2);
    border-radius: 24px;
    padding: 50px 40px;
    text-align: center;
    position: relative;
    overflow: hidden;
}

.simple-cta::before {
    content: '';
    position: absolute;
    top: -50%;
    left: -50%;
    width: 200%;
    height: 200%;
    background: radial-gradient(circle, rgba(14,165,233,0.05) 0%, transparent 70%);
    animation: pulse 4s ease-in-out infinite;
}

@keyframes pulse {
    0%, 100% { transform: scale(1); opacity: 0.5; }
    50% { transform: scale(1.1); opacity: 0.8; }
}

.simple-cta h3 {
    font-size: 2rem;
    font-weight: 800;
    color: var(--text-heading);
    margin-bottom: 16px;
    position: relative;
    z-index: 1;
}

.simple-cta p {
    color: var(--text-secondary);
    margin-bottom: 32px;
    font-size: 1.1rem;
    line-height: 1.6;
    position: relative;
    z-index: 1;
}

.simple-cta .cta-buttons {
    display: flex;
    gap: 20px;
    justify-content: center;
    flex-wrap: wrap;
    position: relative;
    z-index: 1;
}

.simple-cta .btn {
    padding: 16px 32px;
    font-size: 1.1rem;
    font-weight: 600;
    border-radius: 50px;
    transition: all 0.3s ease;
}

/* Comparison Section */
.comparison {
    padding: 60px 0 100px 0;
    background: var(--bg-primary);
}

.comparison-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 16px;
    margin-top: 10px;
}

.comparison-card {
    background: var(--card-bg);
    padding: 25px 20px;
    border-radius: 20px;
    text-align: center;
    box-shadow: 0 8px 30px rgba(0,0,0,0.08);
    border: 2px solid #3b82f6;
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    position: relative;
    overflow: hidden;
}

.comparison-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(90deg, var(--accent-primary), var(--accent-green));
    transform: scaleX(0);
    transition: transform 0.3s ease;
}

.comparison-card:hover::before {
    transform: scaleX(1);
}

.comparison-card:hover {
    transform: translateY(-8px);
    box-shadow: 0 16px 40px rgba(0,0,0,0.12);
    border-color: rgba(30,64,175,0.2);
}

.comparison-icon {
    width: 50px;
    height: 50px;
    background: linear-gradient(135deg, var(--accent-primary), var(--accent-secondary));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 16px;
    font-size: 1.4rem;
    color: white;
    box-shadow: 0 6px 20px rgba(30,64,175,0.3);
    transition: all 0.3s ease;
}

.comparison-card:hover .comparison-icon {
    transform: scale(1.1) rotate(5deg);
    box-shadow: 0 10px 30px rgba(30,64,175,0.4);
}

.comparison-card h3 {
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--text-heading);
    margin-bottom: 12px;
    line-height: 1.3;
}

.comparison-card p {
    color: var(--text-secondary);
    line-height: 1.5;
    font-size: 0.9rem;
    margin: 0;
}

.providers-section {
    margin-top: 12px;
    text-align: center;
}

.providers-section h3 {
    font-size: 2rem;
    font-weight: 700;
    color: var(--text-heading);
    margin-bottom: 16px;
}

.providers-note {
    color: var(--text-secondary);
    font-size: 0.9rem;
    margin-bottom: 40px;
    font-style: italic;
}

.providers-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 20px;
    margin-top: 8px;
}

.provider-card {
    background: var(--card-bg);
    padding: 0;
    border-radius: 20px;
    text-align: center;
    box-shadow: 0 4px 20px rgba(0,0,0,0.08);
    border: 2px solid #3b82f6;
    transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    cursor: pointer;
    position: relative;
    overflow: hidden;
    height: 200px;
    display: flex;
    flex-direction: column;
}

.provider-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: linear-gradient(135deg, rgba(30,64,175,0.05), rgba(16,185,129,0.05));
    opacity: 0;
    transition: opacity 0.3s ease;
}

.provider-card:hover::before {
    opacity: 1;
}

.provider-card:hover {
    transform: translateY(-6px);
    box-shadow: 0 12px 30px rgba(0,0,0,0.15);
    border-color: rgba(30,64,175,0.2);
}

.provider-icon {
    width: 100%;
    height: 120px;
    margin: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    position: relative;
    z-index: 1;
    background: transparent;
    border-radius: 18px 18px 0 0;
    border: none;
    border-bottom: 2px solid rgba(59, 130, 246, 0.2);
    transition: all 0.3s ease;
    backdrop-filter: blur(10px);
    overflow: hidden;
}

.provider-card:hover .provider-icon {
    transform: none;
    background: transparent;
    border-bottom-color: rgba(59, 130, 246, 0.4);
    box-shadow: 0 4px 15px rgba(59, 130, 246, 0.2);
}

.company-logo {
    width: 100%;
    height: 100%;
    object-fit: cover;
    filter: brightness(0.9);
    transition: all 0.3s ease;
    border-radius: 18px 18px 0 0;
}

.provider-card:hover .company-logo {
    filter: brightness(1.1);
    transform: scale(1.05);
}

.provider-card h4 {
    font-size: 1.2rem;
    font-weight: 600;
    color: var(--text-heading);
    margin-bottom: 8px;
    position: relative;
    z-index: 1;
}

.provider-card p {
    color: var(--text-secondary);
    font-size: 0.9rem;
    line-height: 1.4;
    margin-bottom: 12px;
    position: relative;
    z-index: 1;
}

.card-hint {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 6px;
    color: var(--accent-primary);
    font-size: 0.8rem;
    font-weight: 500;
    opacity: 0;
    transition: opacity 0.3s ease;
    position: relative;
    z-index: 1;
}

.provider-card:hover .card-hint {
    opacity: 1;
}

/* Coverage Types Section */
.coverage-types {
    padding: 40px 0;
    background: var(--bg-primary);
    text-align: center;
}

.coverage-infographic {
    display: flex;
    justify-content: center;
    align-items: center;
    margin: 40px 0;
}

.coverage-illustration {
    max-width: 100%;
    height: auto;
    border-radius: 16px;
    box-shadow: 0 8px 25px rgba(0,0,0,0.1);
}

/* Claims Process Simulator Section */
.claims-simulator {
    padding: 60px 0 100px 0;
    background: var(--bg-primary);
    text-align: center;
}

.claims-simulator .container {
    max-width: 1000px;
    margin: 0 auto;
    padding: 0 20px;
}

.claims-timeline-visual {
    display: flex;
    justify-content: center;
    margin: 40px 0;
}

.timeline-illustration {
    max-width: 100%;
    height: auto;
    border-radius: 16px;
    box-shadow: 0 8px 25px rgba(0,0,0,0.1);
}

.claim-type-selector {
    margin: 50px 0;
    text-align: center;
}

.claim-type-selector h3 {
    font-size: 1.8rem;
    font-weight: 700;
    color: var(--text-heading);
    margin-bottom: 30px;
}

.claim-types {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 16px;
    max-width: 100%;
    margin: 0 auto;
}

.claim-type-btn {
    background: var(--card-bg);
    border: 2px solid #3b82f6;
    border-radius: 16px;
    padding: 15px 12px;
    cursor: pointer;
    transition: all 0.3s ease;
    text-align: center;
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 8px;
}

.claim-type-btn:hover {
    transform: translateY(-4px);
    box-shadow: 0 8px 25px rgba(0,0,0,0.1);
    border-color: var(--accent-primary);
}

.claim-type-btn.active {
    border-color: var(--accent-primary);
    background: linear-gradient(135deg, rgba(30,64,175,0.05), rgba(16,185,129,0.05));
    box-shadow: 0 8px 25px rgba(30,64,175,0.15);
}

.claim-type-btn i {
    font-size: 1.5rem;
    color: var(--accent-primary);
}

.claim-type-btn span {
    font-weight: 600;
    color: var(--text-heading);
    font-size: 0.85rem;
}

.claims-process {
    margin: 40px 0;
    text-align: center;
}

.process-timeline {
    display: flex;
    justify-content: center;
    align-items: flex-start;
    gap: 40px;
    margin-bottom: 40px;
    position: relative;
    flex-wrap: wrap;
    max-width: 1000px;
    margin-left: auto;
    margin-right: auto;
}

.process-timeline::before {
    content: '';
    position: absolute;
    top: 30px;
    left: 30px;
    right: 30px;
    height: 2px;
    background: var(--border-color);
    z-index: 1;
}

.timeline-step {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    position: relative;
    z-index: 2;
    flex: 1;
    min-width: 0;
    max-width: 180px;
}

.timeline-step .step-number {
    background: var(--card-bg);
    border: 2px solid #3b82f6;
    border-radius: 50%;
    width: 60px;
    height: 60px;
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    transition: all 0.3s ease;
    font-weight: 700;
    font-size: 1.2rem;
    margin-bottom: 15px;
}

.timeline-step:hover .step-number {
    transform: scale(1.1);
    border-color: var(--accent-primary);
}

.timeline-step.active .step-number {
    background: var(--accent-primary);
    border-color: var(--accent-primary);
    color: white;
}

.step-content {
    text-align: center;
    width: 100%;
}

.step-content h4 {
    font-size: 1rem;
    font-weight: 600;
    color: var(--text-heading);
    margin-bottom: 8px;
    line-height: 1.2;
    word-wrap: break-word;
}

.step-content p {
    color: var(--text-secondary);
    font-size: 0.85rem;
    line-height: 1.3;
    margin: 0;
    word-wrap: break-word;
}

.step-details {
    max-width: 800px;
    margin: 0 auto;
    text-align: left;
}

.step-detail {
    display: none;
    background: var(--card-bg);
    border-radius: 16px;
    padding: 30px;
    box-shadow: 0 8px 25px rgba(0,0,0,0.08);
    border: 2px solid #3b82f6;
}

.step-detail.active {
    display: block;
}

.step-detail h3 {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--text-heading);
    margin-bottom: 20px;
    display: flex;
    align-items: center;
    gap: 12px;
}

.step-detail h3 i {
    color: var(--accent-primary);
    font-size: 1.3rem;
}

.detail-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 30px;
    align-items: start;
}

.checklist h4,
.timeline-info h4 {
    font-size: 1.1rem;
    font-weight: 600;
    color: var(--text-heading);
    margin-bottom: 12px;
}

.checklist ul {
    list-style: none;
    padding: 0;
    margin: 0;
}

.checklist li {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 8px 0;
    color: var(--text-secondary);
}

.checklist li i {
    color: var(--accent-green);
    font-size: 1rem;
}

.timeline-info {
    background: var(--bg-secondary);
    padding: 20px;
    border-radius: 12px;
    border-left: 4px solid var(--accent-primary);
}

.timeline-info p {
    color: var(--text-secondary);
    margin: 0;
    font-size: 0.95rem;
    line-height: 1.5;
}

/* Document Checklist Styles */
.document-checklist {
    margin-bottom: 30px;
}

.document-checklist h4 {
    font-size: 1.1rem;
    font-weight: 600;
    color: var(--text-heading);
    margin-bottom: 20px;
    display: flex;
    align-items: center;
    gap: 8px;
}

.document-checklist h4 i {
    color: var(--accent-primary);
}

.doc-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 16px;
    margin-bottom: 30px;
}

.doc-item {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 16px;
    background: var(--bg-secondary);
    border-radius: 12px;
    border: 2px solid #3b82f6;
    transition: all 0.3s ease;
}

.doc-item:hover {
    transform: translateY(-2px);
    box-shadow: 0 4px 12px rgba(0,0,0,0.1);
    border-color: var(--accent-primary);
}

.doc-item i {
    color: var(--accent-primary);
    font-size: 1.2rem;
    width: 20px;
    text-align: center;
}

.doc-item span {
    color: var(--text-heading);
    font-weight: 500;
    font-size: 0.95rem;
}

.checklist-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 16px;
    margin-top: 20px;
}

.checklist-item {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    padding: 12px 0;
    border-bottom: 2px solid #3b82f6;
}

.checklist-item:last-child {
    border-bottom: none;
}

.checklist-item input[type="checkbox"] {
    margin: 0;
    width: 18px;
    height: 18px;
    accent-color: var(--accent-primary);
}

.checklist-item label {
    color: var(--text-heading);
    font-weight: 500;
    font-size: 0.95rem;
    cursor: pointer;
    flex: 1;
}

.doc-note {
    color: var(--text-secondary);
    font-size: 0.85rem;
    font-style: italic;
    margin-left: 8px;
}

/* Photo Guide Styles */
.photo-guide {
    background: var(--bg-secondary);
    padding: 25px;
    border-radius: 12px;
    margin-top: 20px;
    border: 2px solid #3b82f6;
}

.photo-illustration {
    margin: 20px 0;
    text-align: center;
}

.guide-image {
    max-width: 100%;
    height: auto;
    border-radius: 8px;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.1);
}

.photo-guide h5 {
    color: var(--text-heading);
    margin-bottom: 15px;
    font-size: 1.1rem;
    display: flex;
    align-items: center;
    gap: 8px;
}

.photo-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 20px;
}

.photo-tip {
    text-align: center;
    padding: 20px;
    background: var(--card-bg);
    border-radius: 12px;
    border: 2px solid #3b82f6;
    transition: all 0.3s ease;
}

.photo-tip:hover {
    background: var(--bg-tertiary);
    transform: translateY(-3px);
}

.photo-icon {
    width: 60px;
    height: 60px;
    background: linear-gradient(135deg, var(--accent-green), var(--accent-green-dark));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 15px;
    font-size: 1.5rem;
    color: white;
}

.photo-tip h6 {
    color: var(--text-heading);
    margin-bottom: 8px;
    font-size: 1rem;
    font-weight: 600;
}

.photo-tip p {
    color: var(--text-secondary);
    font-size: 0.9rem;
    line-height: 1.4;
    margin: 0;
}

/* Photo Tips Layout */
.photo-tips {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 20px;
    margin-top: 20px;
}

.photo-tip {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    padding: 20px;
    background: var(--card-bg);
    border-radius: 12px;
    border: 2px solid #3b82f6;
    transition: all 0.3s ease;
}

.photo-tip:hover {
    transform: translateY(-2px);
    box-shadow: 0 4px 12px rgba(0,0,0,0.1);
    border-color: var(--accent-primary);
}

.photo-tip i {
    color: var(--accent-primary);
    font-size: 1.5rem;
    width: 24px;
    text-align: center;
    margin-top: 2px;
}

.photo-tip div {
    flex: 1;
}

.photo-tip strong {
    color: var(--text-heading);
    font-weight: 600;
    font-size: 1rem;
    display: block;
    margin-bottom: 8px;
}

.photo-tip p {
    color: var(--text-secondary);
    font-size: 0.9rem;
    line-height: 1.5;
    margin: 0;
}

/* Step Navigation */
.step-navigation {
    display: flex;
    justify-content: space-between;
    gap: 1rem;
}

.nav-btn {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    padding: 0.75rem 1.5rem;
    background: var(--primary-color);
    color: white;
    border: none;
    border-radius: 8px;
    cursor: pointer;
    font-weight: 500;
    transition: all 0.3s ease;
}

.nav-btn:hover:not(:disabled) {
    background: var(--primary-dark);
    transform: translateY(-1px);
}

.nav-btn:disabled {
    background: var(--text-secondary);
    cursor: not-allowed;
    opacity: 0.5;
}

.prev-btn {
    margin-right: auto;
}

.next-btn {
    margin-left: auto;
}

/* Claim Timelines */
.claim-timelines {
    margin-top: 3rem;
}

.claim-timelines h3 {
    text-align: center;
    color: var(--text-primary);
    margin-bottom: 2rem;
}

.timeline-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 16px;
}

.timeline-card {
    background: var(--bg-secondary);
    border-radius: 12px;
    padding: 15px;
    border: 2px solid #3b82f6;
    transition: all 0.3s ease;
}

.timeline-card:hover {
    transform: translateY(-2px);
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.1);
}

.timeline-card h4 {
    color: var(--primary-color);
    margin-bottom: 0.75rem;
    display: flex;
    align-items: center;
    gap: 0.5rem;
    font-size: 0.95rem;
    font-weight: 700;
    line-height: 1.3;
}

.timeline-item {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 0.6rem 0;
    border-bottom: 1px solid rgba(59, 130, 246, 0.3);
    font-size: 0.9rem;
    line-height: 1.4;
}

.timeline-item:last-child {
    border-bottom: none;
}

.timeline-item .time {
    font-weight: 700;
    color: var(--primary-color);
    font-size: 0.85rem;
    min-width: 60px;
    text-align: left;
}

.timeline-item .action {
    color: var(--text-primary);
    font-size: 0.85rem;
    font-weight: 500;
    text-align: right;
    flex: 1;
    margin-left: 12px;
}

/* Responsive Design */
@media (max-width: 768px) {
    .process-timeline {
        flex-direction: column;
        gap: 1rem;
    }
    
    .process-timeline::before {
        display: none;
    }
    
    .timeline-step {
        flex-direction: row;
        text-align: left;
        background: var(--bg-secondary);
        padding: 1rem;
        border-radius: 8px;
        border: 2px solid #3b82f6;
    }
    
    .step-number {
        margin-bottom: 0;
        margin-right: 1rem;
        width: 50px;
        height: 50px;
        font-size: 1rem;
    }
    
    .step-content p {
        max-width: none;
    }
    
    .claim-types {
        grid-template-columns: repeat(2, 1fr);
        gap: 12px;
    }
    
    .doc-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .timeline-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 12px;
    }
    
    @media (max-width: 480px) {
    .timeline-grid {
        grid-template-columns: 1fr;
            gap: 10px;
        }
        
        .timeline-card h4 {
            font-size: 0.9rem;
        }
        
        .timeline-item {
            padding: 0.5rem 0;
            font-size: 0.8rem;
        }
        
        .timeline-item .time {
            font-size: 0.8rem;
            min-width: 50px;
        }
        
        .timeline-item .action {
            font-size: 0.8rem;
            margin-left: 8px;
        }
    }
    
    .process-timeline {
        flex-direction: column;
        align-items: center;
        gap: 30px;
        max-width: 100%;
    }
    
    .process-timeline::before {
        display: none;
    }
    
    .timeline-step {
        max-width: 250px;
        width: 100%;
    }
    
    .timeline-step .step-number {
        width: 50px;
        height: 50px;
        font-size: 1rem;
    }
    
    .step-content h4 {
        font-size: 1.1rem;
    }
    
    .step-content p {
        font-size: 0.9rem;
    }
    
    .step-navigation {
        flex-direction: column;
    }
    
    .nav-btn {
        margin: 0 !important;
        justify-content: center;
    }
}

@media (max-width: 480px) {
    .claim-types {
        grid-template-columns: 1fr;
        gap: 10px;
    }
    
    .doc-grid {
        grid-template-columns: 1fr;
    }
}

/* Emergency Preparedness Section */
.emergency-preparedness {
    padding: 30px 0 80px 0;
    background: linear-gradient(135deg, #fef2f2 0%, #fee2e2 100%);
}

[data-theme="dark"] .emergency-preparedness {
    background: linear-gradient(135deg, #1e293b 0%, #334155 100%);
}

.emergency-kit-visual {
    display: flex;
    justify-content: center;
    align-items: center;
    margin: 40px 0;
    flex-direction: column;
}

.emergency-kit-illustration {
    max-width: 100%;
    height: auto;
    border-radius: 16px;
    box-shadow: 0 8px 25px rgba(220, 38, 38, 0.15);
    background: white;
    padding: 20px;
}

/* Interactive Emergency Kit Card */
.emergency-kit-card {
    background: var(--card-bg);
    border: 2px solid #3b82f6;
    border-radius: 20px;
    padding: 30px;
    margin: 0 auto 20px;
    max-width: 600px;
    cursor: pointer;
    transition: all 0.3s ease;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 20px;
    box-shadow: 0 4px 20px rgba(0,0,0,0.08);
}

.emergency-kit-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 8px 30px rgba(0,0,0,0.12);
    border-color: var(--accent-primary);
}

.kit-icon {
    width: 80px;
    height: 80px;
    background: linear-gradient(135deg, var(--accent-primary), var(--accent-secondary));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2rem;
    color: white;
    flex-shrink: 0;
}

.kit-content {
    flex: 1;
    text-align: center;
}

.kit-content h3 {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--text-heading);
    margin: 0 0 8px 0;
}

.kit-content p {
    color: var(--text-secondary);
    margin: 0 0 10px 0;
    font-size: 1rem;
}

.kit-toggle {
    color: var(--accent-primary);
    font-size: 1.2rem;
    transition: transform 0.3s ease;
}

.emergency-kit-card.active .kit-toggle {
    transform: rotate(180deg);
}

.emergency-kit-details {
    max-height: 0;
    overflow: hidden;
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    background: var(--card-bg);
    border-radius: 20px;
    border: 2px solid #3b82f6;
    margin: 0 auto;
    max-width: 900px;
    width: 100%;
}

.emergency-kit-details.active {
    max-height: 2000px;
    padding: 30px;
    margin-top: 20px;
}

.emergency-kit-details h4 {
    font-size: 1.3rem;
    font-weight: 700;
    color: var(--text-heading);
    margin: 0 0 25px 0;
    text-align: center;
}

.kit-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 25px;
    margin-bottom: 30px;
}

.kit-category {
    background: var(--bg-secondary);
    padding: 20px;
    border-radius: 16px;
    border: 1px solid rgba(59, 130, 246, 0.2);
}

.kit-category h5 {
    font-size: 1.1rem;
    font-weight: 600;
    color: var(--text-heading);
    margin: 0 0 15px 0;
    display: flex;
    align-items: center;
    gap: 8px;
}

.kit-category ul {
    list-style: none;
    padding: 0;
    margin: 0;
}

.kit-category li {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 8px 0;
    color: var(--text-primary);
    font-size: 0.95rem;
}

.kit-category li i {
    color: var(--accent-green);
    font-size: 0.9rem;
}

.kit-tips {
    background: linear-gradient(135deg, rgba(59, 130, 246, 0.05), rgba(16, 185, 129, 0.05));
    padding: 20px;
    border-radius: 16px;
    border: 1px solid rgba(59, 130, 246, 0.2);
}

.kit-tips h5 {
    font-size: 1.1rem;
    font-weight: 600;
    color: var(--text-heading);
    margin: 0 0 15px 0;
    display: flex;
    align-items: center;
    gap: 8px;
}

.kit-tips ul {
    list-style: none;
    padding: 0;
    margin: 0;
}

.kit-tips li {
    padding: 6px 0;
    color: var(--text-primary);
    font-size: 0.95rem;
    position: relative;
    padding-left: 20px;
}

.kit-tips li::before {
    content: '💡';
    position: absolute;
    left: 0;
    top: 6px;
}

/* Mobile Responsive for Emergency Kit */
@media (max-width: 768px) {
    .emergency-kit-card {
        flex-direction: column;
        text-align: center;
        padding: 25px;
    }
    
    .kit-content {
        text-align: center;
    }
    
    .kit-icon {
        width: 60px;
        height: 60px;
        font-size: 1.5rem;
    }
    
    .kit-content h3 {
        font-size: 1.3rem;
    }
    
    .kit-grid {
        grid-template-columns: 1fr;
        gap: 20px;
    }
    
    .emergency-kit-details {
        padding: 20px;
    }
}

.emergency-tips {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 30px;
    margin-top: 50px;
}

.tip-card {
    background: var(--card-bg);
    padding: 30px;
    border-radius: 16px;
    text-align: center;
    box-shadow: 0 4px 15px rgba(0, 0, 0, 0.1);
    border: 2px solid #fca5a5;
    transition: all 0.3s ease;
}

.tip-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 8px 25px rgba(220, 38, 38, 0.2);
    border-color: #dc2626;
}

.tip-icon {
    width: 60px;
    height: 60px;
    background: linear-gradient(135deg, #dc2626, #ef4444);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 20px;
    color: white;
    font-size: 24px;
}

.tip-card h3 {
    font-size: 1.4rem;
    font-weight: 600;
    margin-bottom: 15px;
    color: var(--text-heading);
}

.tip-card p {
    color: var(--text-secondary);
    line-height: 1.6;
}

@media (max-width: 768px) {
    .emergency-preparedness {
        padding: 60px 0;
    }
    
    .emergency-kit-illustration {
        padding: 15px;
    }
    
    .emergency-tips {
        grid-template-columns: 1fr;
        gap: 20px;
        margin-top: 30px;
    }
    
    .tip-card {
        padding: 25px 20px;
    }
}

/* FAQ — Modern Accordion */
.faq { 
    padding: 40px 0 100px 0; 
    background: linear-gradient(135deg, #f8fafc 0%, #e2e8f0 100%);
    position: relative;
}

[data-theme="dark"] .faq {
    background: linear-gradient(135deg, #1e293b 0%, #334155 100%);
}

.faq::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1000 1000"><defs><pattern id="question-marks" width="60" height="60" patternUnits="userSpaceOnUse"><text x="30" y="35" text-anchor="middle" font-size="20" fill="%236366f1" opacity="0.1">?</text></pattern></defs><rect width="100%" height="100%" fill="url(%23question-marks)"/></svg>');
    opacity: 0.3;
}

[data-theme="dark"] .faq::before {
    background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1000 1000"><defs><pattern id="question-marks" width="60" height="60" patternUnits="userSpaceOnUse"><text x="30" y="35" text-anchor="middle" font-size="20" fill="%23475569" opacity="0.1">?</text></pattern></defs><rect width="100%" height="100%" fill="url(%23question-marks)"/></svg>');
}

.faq-container {
    max-width: 900px;
    margin: 15px auto 0;
    position: relative;
    z-index: 1;
}

.faq-item {
    background: var(--card-bg);
    border: 1px solid rgba(226,232,240,0.6);
    border-radius: 20px;
    margin-bottom: 20px;
    box-shadow: 0 8px 25px rgba(31,41,55,0.08);
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    overflow: hidden;
    cursor: pointer;
    position: relative;
}

.faq-item::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(90deg, var(--accent-primary), var(--accent-green));
    transform: scaleX(0);
    transition: transform 0.3s ease;
}

.faq-item.active::before {
    transform: scaleX(1);
}

.faq-item:hover { 
    transform: translateY(-4px); 
    box-shadow: 0 16px 40px rgba(31,41,55,0.12);
    border-color: rgba(30,64,175,0.2);
}

.faq-item.active {
    border-color: var(--accent-primary);
    box-shadow: 0 16px 40px rgba(30,64,175,0.15);
}

.faq-question { 
    padding: 28px 32px; 
    display: flex; 
    align-items: center; 
    justify-content: space-between; 
    gap: 20px; 
    background: var(--card-bg);
    transition: all 0.3s ease;
}

.faq-item.active .faq-question {
    background: linear-gradient(135deg, rgba(30,64,175,0.05), rgba(16,185,129,0.05));
}

.faq-question h3 { 
    color: var(--text-heading); 
    font-weight: 700; 
    font-size: 1.3rem;
    line-height: 1.4;
    margin: 0;
}

.faq-question i { 
    color: var(--accent-primary); 
    background: rgba(30,64,175,0.1); 
    width: 36px; 
    height: 36px; 
    border-radius: 50%; 
    display: inline-flex; 
    align-items: center; 
    justify-content: center; 
    transition: all 0.3s ease;
    font-size: 1.1rem;
    flex-shrink: 0;
}

.faq-item.active .faq-question i { 
    transform: rotate(180deg); 
    background: var(--accent-primary);
    color: white;
}

.faq-answer { 
    padding: 0 32px; 
    max-height: 0; 
    overflow: hidden; 
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1); 
    background: var(--bg-secondary);
}

.faq-answer.active { 
    padding: 24px 32px 32px; 
    max-height: 500px; 
}

.faq-answer p { 
    color: var(--text-secondary); 
    line-height: 1.7; 
    font-size: 1.05rem;
    margin: 0;
}

/* CTA Section */
.cta {
    padding: 30px 0 40px 0;
    background: linear-gradient(135deg, #667eea 0%, #764ba2 50%, #f093fb 100%);
    color: white;
    text-align: center;
    position: relative;
    overflow: hidden;
}

.cta::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1000 1000"><defs><radialGradient id="cta-glow" cx="50%" cy="50%"><stop offset="0%" stop-color="%23ffffff" stop-opacity="0.1"/><stop offset="100%" stop-color="%23ffffff" stop-opacity="0"/></radialGradient></defs><circle cx="200" cy="200" r="150" fill="url(%23cta-glow)"/><circle cx="800" cy="300" r="200" fill="url(%23cta-glow)"/><circle cx="400" cy="700" r="180" fill="url(%23cta-glow)"/></svg>');
    opacity: 0.4;
    animation: float 15s ease-in-out infinite;
}

.cta-content {
    position: relative;
    z-index: 1;
}

.cta-content h2 {
    font-size: 3rem;
    font-weight: 800;
    margin-bottom: 20px;
    text-shadow: 0 4px 20px rgba(0,0,0,0.3);
    background: linear-gradient(135deg, #ffffff 0%, #f0f9ff 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.cta-content p {
    font-size: 1.3rem;
    margin-bottom: 40px;
    opacity: 0.95;
    line-height: 1.6;
    max-width: 600px;
    margin-left: auto;
    margin-right: auto;
}

.cta-form {
    display: flex;
    gap: 20px;
    justify-content: center;
    align-items: center;
    max-width: 600px;
    margin: 0 auto 20px;
    flex-wrap: wrap;
}

.cta-form input {
    flex: 1;
    min-width: 220px;
    padding: 16px 20px;
    border: none;
    border-radius: 50px;
    font-size: 1.1rem;
    background: rgba(255,255,255,0.95);
    backdrop-filter: blur(10px);
    transition: all 0.3s ease;
}

.cta-form input:focus {
    outline: none;
    box-shadow: 0 0 0 4px rgba(255, 255, 255, 0.3);
    background: rgba(255,255,255,1);
    transform: scale(1.02);
}

.cta-form input::placeholder {
    color: rgba(0,0,0,0.6);
}

.cta-form .btn {
    background: linear-gradient(135deg, #ffffff, #f3f4f6);
    color: #1e293b;
    border: none;
    padding: 16px 32px;
    border-radius: 50px;
    font-weight: 700;
    font-size: 1.1rem;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    box-shadow: 0 8px 25px rgba(0,0,0,0.2);
    transition: all 0.3s ease;
}

.cta-form .btn:hover {
    transform: translateY(-3px);
    box-shadow: 0 12px 35px rgba(0,0,0,0.3);
    background: linear-gradient(135deg, #f8fafc, #e2e8f0);
}

.cta-note {
    font-size: 1rem;
    opacity: 0.8;
    font-style: italic;
}

/* Footer — Enhanced Design */
.footer { 
    padding: 80px 0 40px; 
    background: linear-gradient(135deg, #1e293b 0%, #0f172a 100%);
    color: white;
    position: relative;
}

.footer::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 1px;
    background: linear-gradient(90deg, transparent, rgba(255,255,255,0.3), transparent);
}

.footer-content { 
    text-align: center; 
    position: relative;
    z-index: 1;
}

.footer-logo { 
    display: inline-flex; 
    align-items: center; 
    gap: 12px; 
    color: white; 
    font-weight: 700; 
    font-size: 1.4rem;
    margin-bottom: 16px;
}

.footer-logo i {
    color: var(--accent-green);
    font-size: 1.8rem;
    filter: drop-shadow(0 2px 4px rgba(16,185,129,0.3));
}

.footer p { 
    color: rgba(255,255,255,0.8); 
    margin: 8px 0 24px; 
    font-size: 1.1rem;
    line-height: 1.6;
}

.footer-links { 
    display: flex; 
    gap: 32px; 
    justify-content: center; 
    flex-wrap: wrap;
    margin-bottom: 32px;
}

.footer-links a { 
    color: rgba(255,255,255,0.7); 
    text-decoration: none; 
    position: relative;
    font-weight: 500;
    font-size: 1rem;
    transition: all 0.3s ease;
}

.footer-links a:hover { 
    color: white;
    transform: translateY(-2px);
}

.footer-links a::after { 
    content: ""; 
    position: absolute; 
    left: 0; 
    bottom: -4px; 
    width: 0; 
    height: 2px; 
    background: linear-gradient(90deg, var(--accent-green), var(--accent-primary)); 
    transition: width 0.3s ease; 
}

.footer-links a:hover::after { 
    width: 100%; 
}

.footer-bottom {
    margin-top: 32px; 
    color: rgba(255,255,255,0.6); 
    font-size: 0.95rem;
    text-align: center;
    padding-top: 24px;
    border-top: 1px solid rgba(255,255,255,0.1);
    line-height: 1.6;
}

/* Modal Styles */
.modal {
    display: none;
    position: fixed;
    z-index: 1000;
    left: 0;
    top: 0;
    width: 100%;
    height: 100%;
    background-color: rgba(0, 0, 0, 0.5);
    backdrop-filter: blur(5px);
    animation: fadeIn 0.3s ease-out;
}

.modal-content {
    background-color: var(--card-bg);
    margin: 5% auto;
    border-radius: 12px;
    width: 90%;
    max-width: 700px;
    max-height: 85vh;
    overflow-y: auto;
    box-shadow: 0 20px 40px rgba(0, 0, 0, 0.3);
    animation: slideIn 0.3s ease-out;
}

.modal-header {
    padding: 25px 30px 15px;
    border-bottom: 2px solid #3b82f6;
    position: relative;
}

.modal-header h2 {
    margin: 0 0 5px 0;
    color: var(--accent-primary);
    font-size: 1.8rem;
}

.modal-header p {
    margin: 0;
    color: var(--text-secondary);
    font-size: 1rem;
}

.close {
    position: absolute;
    right: 20px;
    top: 20px;
    font-size: 28px;
    font-weight: bold;
    color: var(--text-secondary);
    cursor: pointer;
    width: 35px;
    height: 35px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    transition: all 0.3s ease;
}

.close:hover {
    color: var(--text-heading);
    background-color: var(--bg-secondary);
}

.modal-body {
    padding: 25px 30px;
}

.company-info {
    display: flex;
    flex-direction: column;
    gap: 25px;
}

.info-section h3 {
    color: var(--accent-primary);
    margin-bottom: 15px;
    font-size: 1.2rem;
    display: flex;
    align-items: center;
    gap: 8px;
}

.info-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 15px;
    margin-bottom: 15px;
}

.info-item {
    background: var(--bg-secondary);
    padding: 12px 15px;
    border-radius: 8px;
    border-left: 4px solid var(--accent-green);
}

.info-item strong {
    color: var(--accent-primary);
    display: block;
    margin-bottom: 5px;
    font-size: 0.9rem;
}

.pros-cons-container {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 25px;
}

.pros-section h3 {
    color: #28a745;
}

.cons-section h3 {
    color: #dc3545;
}

.pros-section ul,
.cons-section ul {
    list-style: none;
    padding: 0;
    margin: 0;
}

.pros-section li,
.cons-section li {
    padding: 10px 0;
    border-bottom: 2px solid #3b82f6;
    position: relative;
    padding-left: 25px;
}

.pros-section li:before {
    content: "✓";
    position: absolute;
    left: 0;
    color: #28a745;
    font-weight: bold;
}

.cons-section li:before {
    content: "✗";
    position: absolute;
    left: 0;
    color: #dc3545;
    font-weight: bold;
}

.pros-section li:last-child,
.cons-section li:last-child {
    border-bottom: none;
}

.modal-footer {
    padding: 20px 30px;
    border-top: 2px solid #3b82f6;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 15px;
}

.affiliate-btn {
    background: linear-gradient(135deg, var(--accent-green), var(--accent-green-dark));
    color: white;
    padding: 12px 25px;
    border-radius: 8px;
    text-decoration: none;
    font-weight: 600;
    display: flex;
    align-items: center;
    gap: 8px;
    transition: all 0.3s ease;
    border: none;
    cursor: pointer;
}

.affiliate-btn:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(16, 185, 129, 0.3);
    color: white;
    text-decoration: none;
}

.btn-secondary {
    background: linear-gradient(135deg, #0ea5e9, #6366f1);
    color: #fff;
    padding: 12px 25px;
    border: none;
    border-radius: 8px;
    cursor: pointer;
    font-weight: 600;
    transition: all 0.3s ease;
    box-shadow: 0 10px 25px rgba(99, 102, 241, 0.35);
}

.btn-secondary:hover {
    transform: translateY(-3px);
    box-shadow: 0 16px 35px rgba(99, 102, 241, 0.45);
}

/* PWA Install Button */
.install-btn {
    background: var(--accent-green);
    color: white;
    border: none;
    padding: 0.5rem 1rem;
    border-radius: 6px;
    font-size: 0.9rem;
    font-weight: 500;
    cursor: pointer;
    transition: all 0.3s ease;
    display: none;
    margin-left: 1rem;
    white-space: nowrap;
}

.install-btn:hover {
    background: var(--accent-green-dark);
    transform: translateY(-1px);
}

.install-btn i {
    margin-right: 0.5rem;
}

/* Update Notification */
.update-notification {
    position: fixed;
    top: 20px;
    right: 20px;
    background: var(--bg-primary);
    border: 2px solid #3b82f6;
    border-radius: 8px;
    padding: 1rem;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.15);
    z-index: 10000;
    max-width: 300px;
    animation: slideInRight 0.3s ease;
}

.update-content {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    flex-wrap: wrap;
}

.update-content i {
    color: var(--accent-primary);
    font-size: 1.1rem;
}

.update-content span {
    color: var(--text-heading);
    font-weight: 500;
    flex: 1;
    min-width: 120px;
}

.update-btn {
    background: var(--accent-primary);
    color: white;
    border: none;
    padding: 0.4rem 0.8rem;
    border-radius: 4px;
    font-size: 0.8rem;
    cursor: pointer;
    transition: background 0.3s ease;
}

.update-btn:hover {
    background: var(--accent-secondary);
}

.dismiss-btn {
    background: none;
    border: none;
    color: var(--text-secondary);
    font-size: 1.2rem;
    cursor: pointer;
    padding: 0.2rem 0.4rem;
    border-radius: 4px;
    transition: background 0.3s ease;
}

.dismiss-btn:hover {
    background: var(--border-color);
}

/* Offline Message */
.offline-message {
    position: fixed;
    bottom: 20px;
    left: 50%;
    transform: translateX(-50%);
    background: var(--accent-green);
    color: white;
    padding: 1rem 1.5rem;
    border-radius: 8px;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.15);
    z-index: 10000;
    animation: slideInUp 0.3s ease;
}

.offline-content {
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.offline-content i {
    font-size: 1.1rem;
}

/* Success Message */
.success-message {
    background: var(--accent-green);
    color: white;
    padding: 0.8rem 1rem;
    border-radius: 6px;
    margin-top: 1rem;
    text-align: center;
    font-weight: 500;
    animation: fadeIn 0.3s ease;
}

/* Animations */
@keyframes slideInRight {
    from {
        transform: translateX(100%);
        opacity: 0;
    }
    to {
        transform: translateX(0);
        opacity: 1;
    }
}

@keyframes slideInUp {
    from {
        transform: translate(-50%, 100%);
        opacity: 0;
    }
    to {
        transform: translate(-50%, 0);
        opacity: 1;
    }
}

@keyframes fadeIn {
    from {
        opacity: 0;
        transform: translateY(10px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

/* Responsive Design */
@media (max-width: 768px) {
    .nav-menu {
        display: none;
    }
    
    .mobile-menu-toggle {
        display: block;
    }
    
    .nav-container {
        height: 70px;
    }
    
    .hero-container {
        grid-template-columns: 1fr;
        text-align: center;
        gap: 40px;
    }
    
    .hero-title {
        font-size: 2.8rem;
    }
    
    .hero-buttons {
        justify-content: center;
    }
    
    .hero-illustration svg {
        width: 400px;
    }
    
    .nav-dropdown-menu {
        position: static;
        opacity: 1;
        visibility: visible;
        transform: none;
        box-shadow: none;
        border: none;
        background: transparent;
        padding: 0;
        margin-top: 8px;
    }
    
    .nav-dropdown-item {
        padding: 8px 0;
        border-left: none;
        border-bottom: 2px solid #3b82f6;
    }
    
    .nav-dropdown-item:hover {
        transform: none;
        background: transparent;
    }
    
    .section-title {
        font-size: 2rem;
    }
    
    .why-grid {
        grid-template-columns: 1fr;
        gap: 24px;
    }
    
    .glossary-grid {
        grid-template-columns: 1fr;
        gap: 16px;
    }
    
    .comparison-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 20px;
    }
    
    @media (max-width: 480px) {
    .comparison-grid {
        grid-template-columns: 1fr;
            gap: 16px;
        }
    }
    
    .providers-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 16px;
    }
    
    .coverage-infographic {
        margin: 30px 0;
    }
    
    .coverage-illustration {
        max-width: 90%;
    }
    
    .simple-steps {
        gap: 24px;
    }
    
    .step-item {
        padding: 30px 25px;
    }
    
    .simple-cta {
        padding: 40px 30px;
    }
    
    .simple-cta h3 {
        font-size: 1.6rem;
    }
    
    .step {
        flex-direction: column;
        text-align: center;
        gap: 20px;
    }
    
    .cta-form {
        flex-direction: column;
        max-width: 350px;
        gap: 12px;
    }
    
    .cta-form input {
        min-width: auto;
        width: 100%;
    }
    
    .footer-links {
        flex-direction: column;
        gap: 15px;
    }
    
    /* Mobile Responsive PWA Elements */
    .install-btn {
        font-size: 0.8rem;
        padding: 0.4rem 0.8rem;
        margin-left: 0.5rem;
    }
    
    .update-notification {
        right: 10px;
        left: 10px;
        max-width: none;
    }
    
    .update-content {
        flex-direction: column;
        align-items: flex-start;
        gap: 0.8rem;
    }
    
    .update-content span {
        min-width: auto;
    }
    
    .offline-message {
        left: 10px;
        right: 10px;
        transform: none;
    }
    
    /* Mobile Responsive for Modal */
    .modal-content {
        margin: 10% auto;
        width: 95%;
        max-height: 90vh;
    }
    
    .modal-header,
    .modal-body,
    .modal-footer {
        padding: 20px;
    }
    
    .pros-cons-container {
        grid-template-columns: 1fr;
        gap: 20px;
    }
    
    .info-grid {
        grid-template-columns: 1fr;
    }
    
    .modal-footer {
        flex-direction: column;
        gap: 10px;
    }
    
    .affiliate-btn,
    .btn-secondary {
        width: 100%;
        justify-content: center;
    }
}

@media (max-width: 480px) {
    .container {
        padding: 0 20px;
    }
    
    .hero {
        padding: 100px 0 60px;
    }
    
    .hero-title {
        font-size: 2rem;
    }
    
    .hero-buttons {
        flex-direction: column;
        align-items: center;
    }
    
    .btn {
        width: 100%;
        max-width: 250px;
    }
    
    .providers-grid {
        grid-template-columns: 1fr;
    }
    
    /* How-to-Choose — Modern Steps and CTA */
    .how-to-choose { padding: 80px 0; background: var(--bg-primary); }
    .steps-container { display: grid; grid-template-columns: 1fr; gap: 18px; }
    .step-item {
        background: var(--card-bg);
        border: 1px solid rgba(226,232,240,0.6);
        border-radius: 16px;
        padding: 20px;
        box-shadow: 0 8px 24px rgba(31,41,55,0.08);
        transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
    }
    .step-item:hover { transform: translateY(-3px); box-shadow: 0 14px 32px rgba(31,41,55,0.12); border-color: rgba(99,102,241,0.35); }
    .step-item h3 { color: var(--text-heading); font-weight: 700; margin-bottom: 8px; }
    .step-item p, .step-item li { color: var(--text-secondary); }
    .simple-cta { margin-top: 24px; background: linear-gradient(135deg, rgba(14,165,233,0.12), rgba(99,102,241,0.12)); border: 1px solid rgba(99,102,241,0.25); border-radius: 18px; padding: 28px; text-align: center; }
    .simple-cta h3 { color: var(--text-heading); font-weight: 800; margin-bottom: 8px; }
    .simple-cta p { color: var(--text-secondary); margin-bottom: 16px; }
    .simple-cta .cta-buttons { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }
    
    .step-item {
        padding: 15px 12px;
        margin-bottom: 12px;
    }
    
    .step-item h3 {
        font-size: 1.3rem;
        margin-bottom: 8px;
    }
    
    .step-item p {
        font-size: 0.95rem;
        margin-bottom: 12px;
    }
    
    .step-item li {
        font-size: 0.9rem;
        margin-bottom: 4px;
    }
    
    .simple-cta {
        padding: 20px 15px;
        margin-top: 1.5rem;
    }
    
    .simple-cta h3 {
        font-size: 1.4rem;
    }
    
    .simple-cta p {
        font-size: 0.95rem;
        margin-bottom: 20px;
    }
    
    .simple-cta .cta-buttons {
        flex-direction: column;
        align-items: center;
    }
    
    .simple-cta .btn {
        min-width: 250px;
        width: 100%;
    }
    
    /* Claims simulator mobile adjustments */
    .claims-simulator {
        padding: 25px 0 20px;
    }
    
    .claim-types {
        grid-template-columns: repeat(2, 1fr);
        gap: 12px;
    }
    
    .claim-type-btn {
        padding: 12px 8px;
    }
    
    /* General mobile spacing */
    .container {
        padding: 0 16px;
    }
    
    .hero {
        padding: 30px 0 20px;
        min-height: 40.5vh;
    }
    
    .why-matters,
    .glossary,
    .how-to-choose,
    .comparison,
    .faq,
    .cta {
        padding: 30px 0 25px;
    }
    
    .coverage-types {
        padding: 30px 0;
    }
    
    /* Section title adjustments for mobile */
    .section-title {
        margin-bottom: 0.75rem;
    }
    
    .section-subtitle {
        margin-bottom: 1rem;
    }
    
    /* Grid adjustments for mobile */
    .why-grid,
    .glossary-grid,
    .comparison-grid {
        gap: 15px;
        margin-top: 1rem;
    }
    
    .why-card,
    .glossary-item,
    .comparison-card {
        padding: 15px;
    }
}

@media (max-width: 480px) {
    .how-to-choose {
        padding: 20px 0 15px;
    }
    
    .how-to-choose .section-title {
        font-size: 1.8rem;
        margin-bottom: 8px;
    }
    
    .how-to-choose .section-subtitle {
        font-size: 1rem;
        margin-bottom: 15px;
    }
    
    .step-item {
        padding: 12px 10px;
        margin-bottom: 10px;
    }
    
    .step-item h3 {
        font-size: 1.2rem;
        margin-bottom: 6px;
    }
    
    .step-item p {
        font-size: 0.9rem;
        margin-bottom: 8px;
    }
    
    .step-item li {
        font-size: 0.85rem;
        margin-bottom: 3px;
    }
    
    .simple-cta {
        padding: 15px 12px;
        margin-top: 1rem;
    }
    
    .simple-cta h3 {
        font-size: 1.3rem;
    }
    
    .simple-cta p {
        font-size: 0.9rem;
        margin-bottom: 15px;
    }
    
    .simple-cta .btn {
        min-width: 200px;
        padding: 10px 20px;
    }
    
    /* Claims simulator small mobile adjustments */
    .claims-simulator {
        padding: 20px 0 15px;
    }
    
    .claim-type-btn {
        padding: 10px 6px;
    }
    
    /* General small mobile spacing */
    .container {
        padding: 0 12px;
    }
    
    .hero {
        padding: 51px 0 26px;
        min-height: 26.775vh;
        background-attachment: scroll;
    }
    
    .hero-container {
        grid-template-columns: 1fr;
        gap: 30px;
        text-align: center;
    }
    
    .hero-title {
        font-size: 2.2rem;
        margin-bottom: 16px;
        line-height: 1.2;
    }
    
    .hero-subtitle {
        font-size: 1.1rem;
        margin-bottom: 30px;
    }
    
    .hero-buttons {
        justify-content: center;
        gap: 16px;
    }
    
    .btn {
        padding: 14px 28px;
        font-size: 1rem;
        min-width: 160px;
    }
    
    .section-title {
        font-size: 1.8rem;
    }
    
    .why-grid,
    .glossary-grid,
    .comparison-grid {
        gap: 16px;
    }
    
    .why-card,
    .glossary-item,
    .comparison-card {
        padding: 24px 20px;
    }
    
    .providers-grid {
        grid-template-columns: 1fr;
        gap: 16px;
    }
    
    .provider-card {
        height: 180px;
    }
    
    .provider-icon {
        width: 100%;
        height: 100px;
        margin: 0;
    }
    
    .company-logo {
        width: 100%;
        height: 100%;
    }
    
    .provider-card-content {
        padding: 15px 12px;
    }
    
    .coverage-infographic {
        margin: 20px 0;
    }
    
    .coverage-illustration {
        max-width: 95%;
    }
    
    .simple-steps {
        gap: 20px;
    }
    
    .step-item {
        padding: 24px 20px;
    }
    
    .step-item h3 {
        font-size: 1.3rem;
    }
    
    .simple-cta {
        padding: 30px 20px;
    }
    
    .simple-cta h3 {
        font-size: 1.4rem;
    }
    
    .why-matters,
    .glossary,
    .how-to-choose,
    .comparison,
    .faq,
    .cta {
        padding: 25px 0 20px;
    }
    
    .coverage-types {
        padding: 20px 0;
    }
    
    /* Section title adjustments for small mobile */
    .section-title {
        margin-bottom: 0.5rem;
    }
    
    .section-subtitle {
        margin-bottom: 0.75rem;
    }
    
    /* Grid adjustments for small mobile */
    .why-grid,
    .glossary-grid,
    .comparison-grid {
        gap: 12px;
        margin-top: 0.75rem;
    }
    
    .why-card,
    .glossary-item,
    .comparison-card {
        padding: 12px;
    }
}

/* Smooth scrolling */
html {
    scroll-behavior: smooth;
}

/* Animation classes */
.fade-in {
    opacity: 0;
    transform: translateY(20px);
    transition: all 0.6s ease;
}

.fade-in.visible {
    opacity: 1;
    transform: translateY(0);
}

/* Articles Section */
.articles {
    padding: 60px 0;
    background: var(--bg-primary);
}

.articles-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(350px, 1fr));
    gap: 30px;
    margin-top: 40px;
}

.article-card {
    background: var(--bg-secondary);
    border-radius: 12px;
    overflow: hidden;
    box-shadow: 0 4px 16px rgba(0, 0, 0, 0.1);
    transition: transform 0.3s ease, box-shadow 0.3s ease;
    border: 1px solid var(--accent-primary);
}

.article-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 8px 32px rgba(0, 0, 0, 0.15);
}

.article-card .article-image {
    width: 100%;
    height: 200px;
    overflow: hidden;
}

.article-card .article-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.3s ease;
}

.article-card:hover .article-image img {
    transform: scale(1.05);
}

.article-card .article-content {
    padding: 25px;
}

.article-card h3 {
    font-size: 1.3em;
    font-weight: 600;
    margin-bottom: 15px;
    color: var(--text-heading);
    line-height: 1.3;
}

.article-card p {
    color: var(--text-secondary);
    margin-bottom: 20px;
    line-height: 1.6;
}

.article-meta {
    display: flex;
    gap: 15px;
    margin-bottom: 20px;
    font-size: 0.9em;
    color: var(--text-tertiary);
}

.article-meta span {
    display: flex;
    align-items: center;
    gap: 5px;
}

.article-meta i {
    font-size: 0.8em;
}

/* Dark mode adjustments for articles */
[data-theme="dark"] .article-card {
    background: var(--bg-secondary);
    border-color: var(--border-color);
}

[data-theme="dark"] .article-card h3 {
    color: var(--text-heading);
}

[data-theme="dark"] .article-card p {
    color: var(--text-secondary);
}

[data-theme="dark"] .article-meta {
    color: var(--text-tertiary);
}

/* Mobile responsiveness for articles */
@media (max-width: 768px) {
    .articles {
        padding: 40px 0;
    }
    
    .articles-grid {
        grid-template-columns: 1fr;
        gap: 20px;
        margin-top: 30px;
    }
    
    .article-card .article-content {
        padding: 20px;
    }
    
    .article-card h3 {
        font-size: 1.2em;
    }
    
    .article-meta {
        flex-direction: column;
        gap: 8px;
    }
}

/* Ensure navigation stays visible and articles section is highlighted */
.navbar {
    position: sticky !important;
    top: 0 !important;
    z-index: 1000 !important;
}

#articles {
    scroll-margin-top: 80px; /* Account for sticky navbar */
}

/* Ensure articles section is visible when navigated to */
#articles:target {
    animation: highlightArticles 2s ease-in-out;
}

@keyframes highlightArticles {
    0% { 
        background-color: var(--primary-color);
        opacity: 0.1;
    }
    50% { 
        background-color: var(--primary-color);
        opacity: 0.2;
    }
    100% { 
        background-color: transparent;
        opacity: 1;
    }
}

/* Prevent navigation from collapsing */
.nav-menu {
    display: flex !important;
}

.mobile-menu {
    display: none !important;
}

@media (max-width: 768px) {
    .nav-menu {
        display: none !important;
    }
    
    .mobile-menu {
        display: block !important;
    }
}